Retirement Ready UK has announced the launch of its free online community and suite of professional-grade retirement calculators, designed to help over-50s navigate State Pension gaps, drawdown risks, and upcoming Inheritance Tax changes.
-- LONDON, UK — Retirement Ready, a new financial education platform, has officially launched its free UK community, providing over-50s with access to professional-grade retirement planning tools that were previously only available through expensive financial advisers. The launch comes at a critical time for UK savers, as millions face growing uncertainty about State Pension shortfalls, rising inflation, and significant upcoming changes to SIPP (Self-Invested Personal Pension) inheritance tax rules set to take effect in April 2027.
Research consistently shows that a large proportion of UK adults approaching retirement age have no clear picture of whether their savings will last. Many rely on rough rules of thumb rather than personalised projections, and the cost of professional financial advice places proper retirement planning out of reach for the majority of working people. Retirement Ready was created specifically to address this gap.
The platform offers a suite of interactive calculators and planning tools that give users instant, data-driven answers to the questions that matter most. These include a State Pension optimiser that calculates the exact financial benefit of buying back missing National Insurance years, a drawdown runway calculator that projects how long a pension pot will last under different inflation and withdrawal scenarios, and a tax-efficient withdrawal planner that models SIPP, ISA, and GIA accounts to identify the most cost-effective drawdown strategy and minimise HMRC tax liabilities.
"Most people are simply guessing about their retirement," says Mike Pearce, founder of Retirement Ready. "They don't know the exact year their pension pot will run out, and they aren't aware of the massive tax traps waiting for them. I built these tools because I needed them myself. When I started planning my own semi-retirement, I couldn't find software that gave me clear, honest answers without a sales pitch attached. So I built it. Now I want to make those tools available to everyone who is in the same position I was."
A standout feature of the platform is the Retirement Readiness Score, which analyses a user's complete financial picture across five critical pillars: Savings Adequacy, Drawdown Sustainability, State Pension Optimisation, Inflation Protection, and Timeline Feasibility. The tool generates a personalised score out of 100 and produces a downloadable PDF action plan with a prioritised set of steps tailored to the user's specific circumstances.
The platform also includes a premium Inheritance Tax Planner, which has attracted significant attention given the upcoming 2027 rule changes. From April 2027, unused pension funds held in SIPPs will be brought into a deceased person's taxable estate for the first time, potentially exposing millions of families to a 40% Inheritance Tax charge they are not currently planning for. The IHT Planner calculates a user's exact exposure under the new rules and models seven mitigation strategies, including gifting allowances, trust structures, and strategic SIPP drawdown sequencing.
"The 2027 SIPP rule change is the biggest shift in pension legislation in a generation, and most people have no idea it is coming," Pearce adds. "Someone with a £400,000 SIPP who assumed their pension would pass to their children tax-free is in for a very unpleasant surprise. Our tool shows them exactly what their exposure is and what they can do about it right now, while there is still time to act."
The Retirement Ready UK community is currently offering free access to its foundational tools for early members, with no credit card required. Members can also interact directly with other savers and ask questions in the community chat. A premium membership tier provides access to the full suite of advanced planning tools, including the Retirement Readiness Score, Personal Action Plan PDF generator, Tax-Efficient Withdrawal Planner, and Inheritance Tax Planner.
https://whop.com/retirement-ready-726e
Contact Info:
Name: Mike Pearce
Email: Send Email
Organization: Retirement Ready UK
Address: Highway Avenue Highway Avenue, Maidenhead, England SL6 5AG, United Kingdom
Website: https://whop.com/retirement-ready-726e
Source: PressCable
Release ID: 89187475
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